<![CDATA[The research is motivated by the rising use of financial technology among university students, a trend not always accompanied by adequate financial literacy, financial management skills. Previous studies indicate that financial literacy, fintech can influence financial behavior, although findings remain mixed. Research integrating accounting literacy, financial literacy, and payment fintech particularly among students in Riau Province remains limited. The research uses quantitative approach using descriptive research design. The research obtained primary data from questionnaires administered to 100 students. Data analysis involved validity, reliability tests, multiple linear regression, F-tests, t-tests. Findings show that accounting literacy, financial literacy, and payment fintech positive, a statistically significant partial effect on students’ financial behavior. The three factors collectively exert positive significant influence on financial behavior. The coefficient of determination was 45.2% indicates that accounting literacy, financial literacy, and payment fintech explain 45.2% of variation in students' financial behavior, with the remainder explained by other factors. Empirical evidence regarding the integration of accounting, finance, payment technology knowledge sheds light on financial behavior. In terms of practical implications, the research findings support strengthening education on accounting and financial literacy, as well as the prudent use of payment fintech.]]>
